​Did ​you know?

• Out-of-pocket costs (like co-payments and deductibles) should be the same for medical and mental health care. 
• Your health insurer must provide information about the mental health and substance use services it offers and the criteria for deciding if it is medically necessary. 
• Maryland law does not allow insurers to require pre-authorization for certain opioid treatment medications. 
• If your insurance plan denies a claim, you have the right to appeal it. 
• If you don't feel your mental health or substance use services are being covered at the same level as medical services, reach out to an H-CAT member.​​​
  

Physical Health = Mental Health​

If your needs are not being met by your insurance plan, contact H-CAT to receive assistance.​

Get free help with your health coverage! ​

The Maryland Insurance Administration has a Health Coverage Assistance Team (H-CAT) to assist consumers. If you have questions or concerns about health coverage for you or your loved ones, the H-CAT staff is here for you.